One piece of advice: If you're buying a house directly from someone else--as the "We Buy Houses" folks do--you never, ever, ever want to pay the money directly to the homeowner...at least before all the documents are signed and in hand. You provide the money to your settlement company. They'll hold it and disburse it at settlement. If that's done immediately prior to settlement, then cashier's check or by wire--as Larry says--is right. If it's done well in advance, then any method that will result in "cash" by time of settlement will work.